PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Union NB of Georgia

Atlanta, GA · Cert 20147

FDIC

Q1 1997

$11.1BAssets
$8.1BLoans
$7.9BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.49%, down 31 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 103.00% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.49%-31 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.03%0.89%1.25%1.80%1.30%0.45%0.49%1.49%-31 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)8.50%27.33%33.38%23.47%50.85%13.54%6.29%0.14%-2,333 bps
Loan Growth (YoY)3.82%38.29%44.47%14.97%46.66%12.04%6.85%9.71%-526 bps
Deposit Growth (YoY)2.70%5.85%9.91%14.00%8.51%3.37%-1.16%-1.78%-1,578 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits90.15%114.29%115.06%92.22%121.84%123.88%124.38%103.00%+1,078 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a